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Company Analysis

HCI Group, Inc. HCI

A comprehensive view of key metrics, scores, and financial health for HCI Group, Inc.

Overview of HCI Group, Inc.

HCI NYQ
Financial Services Insurance - Property & Casualty Framework: Insurance & Reinsurance Mid Cap
HCI Group, Inc. (HCI), is a Mid Cap company, in the Insurance - Property & Casualty industry, last closed at $160.45, about 58.9% overvalued vs fair value, +3.1% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth 20.2% ROE 40.0% Gross Margin 73.2%
USD 160.45
-1.03%
(Delayed)
• Vol 90d: 28.6%
52-Week Range
Market Cap
$2.07B
Enterprise Value
$891.15M
Overall Score
View breakdown
Overall
Growth
Excellent
Profitability
Excellent
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Excellent
Profitability
Excellent
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://hcigroup.com
HQ Tampa, FL
Employees 552
Fiscal year Dec 31

Next Events

Dividend Jun 18
Earnings Aug 6 Estimated

Fair Value Snapshot

Bear Base Bull
$37
$66
$124
Current: $160.45 -59% vs base

Engine Room Money Flow™

Mid Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$900.9M
20.2%%
Claims & Losses
$-241.8M
-49%%
Acquisition & Admin Expenses
$-63.2M
Underwriting Result
$429.3M
147.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
26.8%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$17.6M
16.0% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating HCI Group, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
64
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Moderate
57
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing HCI's balance between Growth (32.7%), Profitability (38.7%), and Safety (28.6%). Growth 33% Safety 29% Profitability 39%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

77th percentile vs peers
77
Key Signals
Rev Growth YoY 20.2% 80p Revenue CAGR 3Y 22.3% 81p Equity Growth YoY 39.6% 90p EPS Growth YoY 16.7% 45p Asset Growth YoY 13.4% 81p
Strengths
  • Rev Growth YoY in top 20% of peers (20.2%, 80th percentile)
  • Revenue CAGR 3Y in top 20% of peers (22.3%, 81th percentile)
  • Equity Growth YoY in top 20% of peers (39.6%, 90th percentile)
  • ROE in top 20% of peers (40.0%, 97th percentile)
Risks

No significant risks identified for this axis.

Profitability

91th percentile vs peers
92
Key Signals
Strengths
Risks
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Safety

67th percentile vs peers
68
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for HCI Group, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$65.99
- - -
-58.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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